Compensation contract supporting system, method for supporting compensation contract, and program thereof

ABSTRACT

A compensation contract supporting system that supports a compensation contract which provides a customer compensation for a profit risk created by a plurality of risk factors that influence a profit of the customer, comprising: a database for storing statistical data of the plurality of risk factors; a first probability calculation unit for calculating a probability, in which a part of the plurality of the risk factors satisfy a predetermined first condition, and a probability, in which remaining plurality of the risk factors satisfying a predetermined second condition using the database, and at least one of the first condition and the second condition being a non-financial condition that is not related to a financial product; and a ratio calculation unit for calculating a ratio between a first compensation amount to be paid or received by the customer when the part of the risk factors satisfy the first condition and a second compensation amount to be paid or received by the customer when the remaining risk factors satisfy the second condition using the probability calculated by the first probability calculation unit.

CROSS REFERENCE TO RELATED APPLICATIONS

[0001] This patent application claims priority from a Japanese patentapplication No. 2001 046535 filed on Feb. 22, 2001, the contents ofwhich are incorporated herein by reference.

BACKGROUND OF INVENTION

[0002] 1. Field of the Invention

[0003] The present invention relates to a compensation contractsupporting system, a method for supporting a compensation contract and aprogram thereof. More particularly, the present invention relates to acompensation contract supporting system, a method for supporting acompensation contract, and a program thereof that can effectively andeasily reduce profit risk for a customer.

[0004] 2. Description of the Related Art

[0005] A business enterprise or a business owner carries various riskfactors that influence their profit. This profit risk is different foreach corporate structures of the enterprise. For example, an exchangerate is a risk factor that influences the profit of the enterprise thatprofits from the import and export business. Moreover, the weather, suchas temperature or amount of rainfall, may become the risk factor.Furthermore, a factor related to a natural disaster such as an earthquake or a typhoon, a factor related to economic indicators such as GDP(gross domestic product) or unemployment rate, or a factor related tocredit risk such as the number of listed bankrupt companies, and theapproved numbers of individual bankruptcy may become the risk factor.

[0006] The profit risk can be effectively reduced by trading derivativesfor the risk factor with a small cash flow. The derivatives belong tothe same category of finance with the profit risk such as an interestrates or exchange rate. However, it is difficult to effectively reducethe profit risk, which is created by the risk factors that belong to theother categories, with a small cash flow.

SUMMARY OF INVENTION

[0007] Therefore, it is an object of the present invention to provide acompensation contract supporting system, a method for supporting acompensation contract and a program thereof, which is capable ofovercoming the above drawbacks accompanying the conventional art. Theabove and other objects can be achieved by combinations described in theindependent claims. The dependent claims define further advantageous andexemplary combinations of the present invention.

[0008] According to the first aspect of the present invention, acompensation contract supporting system that supports a compensationcontract which provides a customer compensation for a profit riskcreated by a plurality of risk factors that influence a profit of thecustomer, comprises: a database for storing statistical data of theplurality of risk factors; a first probability calculation unit forcalculating a probability, in which a part of the plurality of the riskfactors satisfy a predetermined first condition and a probability, inwhich remaining the plurality of the risk factors satisfy apredetermined second condition using the database, and at least one ofthe first condition and the second condition being an non-financialcondition that is not related to a financial product; and a ratiocalculation unit for calculating a ratio between a first compensationamount to be paid or received by the customer when the part of the riskfactors satisfy the first condition and a second compensation amount tobe paid or received by the customer when the remaining risk factorssatisfy the second condition using the probability calculated by thefirst probability calculation unit.

[0009] The first compensation amount may be an amount to be paid to thecustomer when said part of said risk factors satisfy said firstcondition, and the second compensation amount may be an amount to bereceived from the customer when the remaining risk factors satisfy thesecond condition.

[0010] The compensation contract supporting system may further comprise:a correlation calculation unit for calculating a correlation among theplurality of risk factors based on the statistical data read out fromthe database; wherein: the ratio calculation unit calculates a ratiobetween the first compensation amount and the second compensation amountusing the probability calculated by the first probability calculationunit and the correlation calculated by the correlation calculation unit.

[0011] The compensation contract supporting system may further comprise:a second probability calculation unit for calculating a probability inwhich the first condition, which is to be a base for calculating thefirst compensation amount, and the second condition, which is to be abase for calculating the second compensation amount, are satisfied atthe same time; wherein: the ratio calculation unit calculates the ratiofurther using the probability calculated by the second probabilitycalculation unit.

[0012] The compensation contract supporting system may further comprise:an amount acquiring unit for acquiring any two of the first compensationamount, the second compensation amount, and a prepaid amount, which arerequested by the customer, the prepaid amount being an amount to bepreviously received from the customer or to be previously paid to thecustomer to cover a difference between a risk created by the firstcompensation amount and a risk created by the second compensationamount; and an amount calculation unit for calculating remaining one ofthe first compensation amount, the second compensation amount, and theprepaid amount using the any two of the first compensation amount, thesecond compensation amount, and the prepaid amount acquired by theamount acquiring unit, and the ratio calculated by the ratio calculationunit.

[0013] The compensation contract supporting system may further comprise:a contract database for storing data related to the compensation, whichis provided to the customer by the compensation contract supportingsystem; and a risk calculation unit for calculating apayment-amount-risk involved in a contract, which is concluded via thecompensation contract supporting system, using a present value of therisk factors and the contract database.

[0014] The compensation contract supporting system may further comprise:a contract database for storing data related to the compensation, whichis provided to the customer by the compensation contract supportingsystem; and a risk calculation unit for calculating apayment-amount-risk created by the compensation provided to the customerby the compensation contract supporting system using the contractdatabase and the first condition or the second condition of the riskfactors; wherein:

[0015] the ratio calculation unit calculates the ratio using thepayment-amount-risk calculated by the risk calculation unit.

[0016] The compensation contract supporting system may further comprisea risk factor acquiring unit which acquires information related to thecustomer from the customer, acquires the risk factors from the database,calculates a correlation between the information and the risk factors,selects the risk factors, the absolute value of the correlation of whichis greater than a predetermined value, and outputs the selected riskfactors to the first probability calculation unit.

[0017] According to the second aspect of the present invention, acompensation contract supporting system that supports a compensationcontract which provides a customer compensation for a profit riskcreated by a risk factor that influences a profit of the customer,comprises: a factor statistics database for storing statistical data ofthe risk factor; a financial statistics database for storing statisticaldata of a fluctuation in price of a financial product; a firstprobability calculation unit for calculating a probability, in which therisk factor satisfies a predetermined first condition, and aprobability, in which the price of the financial product satisfies apredetermined second condition, and the first condition being anon-financial condition that is not related to the financial product;and a ratio calculation unit for calculating a ratio between a firstcompensation amount to be paid or received by the customer when the riskfactor satisfies the first condition and a second compensation amount tobe paid or received by the customer when the price of the financialproduct satisfies the second condition using the probability calculatedby the first probability calculation unit.

[0018] The first compensation amount may be an amount to be paid to thecustomer when the risk factor satisfies the first condition, and thesecond compensation amount may be an amount to be received from thecustomer when the price of the financial product satisfies the secondcondition.

[0019] The compensation contract supporting system may further comprise:a correlation calculation unit for calculating a correlation between theprice of the financial product and the risk factor using the financialstatistics database and the factor statistics database; wherein: theratio calculation unit calculates a ratio between the first compensationamount and the second compensation amount using the probabilitycalculated by the first probability calculation unit and the correlationcalculated by the correlation calculation unit.

[0020] The compensation contract supporting system may further comprise:a second probability calculation unit for-calculating a probability inwhich the first condition, which is to be a base for calculating thefirst compensation amount, and the second condition, which is to be abase for calculating the second compensation amount, a re satisfied atthe same time; wherein: the ratio calculation unit calculates the ratiofurther using the probability calculated by the second probabilitycalculation unit.

[0021] According to the third aspect of the present invention, a methodfor supporting a compensation contract that provides a customercompensation for a profit risk created by a risk factor that influencesa profit of the customer, comprises: managing statistical data of therisk factor and a fluctuation in price of a financial product;calculating a probability, in which the risk factor satisfies apredetermined first condition, and a probability, in which the price ofthe financial product satisfies a predetermined second condition, andthe first condition being a non-financial condition that is not relatedto the financial product; calculating a ratio between a firstcompensation amount to be paid or received by the customer when the riskfactor satisfies the first condition and a second compensation amount tobe paid or received by the customer when the price of the financialproduct satisfies the second condition using the calculated probability;acquiring any two of the first compensation amount, the secondcompensation amount, and a prepaid amount, which are requested by thecustomer, the prepaid amount being an amount to be previously receivedfrom the customer or to be previously paid to the customer to cover adifference between a risk created by the first compensation amount and arisk created by the second compensation amount; and calculatingremaining one of the first compensation amount, the second compensationamount, and the prepaid amount using the any two of the firstcompensation amount, the second compensation amount, and the prepaidamount, and the calculated ratio.

[0022] According to the fourth aspect of the present invention, aprogram for calculating compensation for a fluctuation in a profitcreated by a plurality of risk factors that influence the profit of thecustomer, comprises: a first probability calculation module forcalculating a probability, in which a part of the plurality of the riskfactors satisfy a predetermined first condition and a probability, inwhich remaining the plurality of risk factors satisfy a predeterminedsecond condition using a database for storing statistical data of theplurality of risk factors, and at least one of the first condition andthe second condition being a non-financial condition that is not relatedto a financial product; and a ratio calculation module for calculating aratio between a first compensation amount to be paid or received by thecustomer when the part of the risk factors satisfy the first condition,and a second compensation amount to be paid or received by the customerwhen the remaining risk factors satisfy the second condition using theprobability calculated by the first probability calculation module.

[0023] According to the fifth aspect of the present invention, a programfor calculating compensation for a fluctuation in profit created by arisk factor that influences a profit of the customer, comprises: a firstprobability calculation module for calculating a probability, in whichthe risk factor satisfies a predetermined first condition, using afactor statistics database for storing statistical data of the riskfactor and a probability, in which a price of a financial productsatisfies a predetermined second condition, using a financial statisticsdatabase for storing statistical data of the fluctuation in price of thefinancial product, and the first condition being a non-financialcondition that is not related to the financial product; and a ratiocalculation module for calculating a ratio between a first compensationamount to be paid or received by the customer when the risk factorsatisfies the first condition and a second compensation amount to bepaid or received by the customer when the price of the financial productsatisfies the second condition using the probability calculated by thefirst probability calculation module.

[0024] The summary of the invention does not necessarily describe allnecessary features of the present invention. The present invention mayalso be a sub-combination of the features described above. The above andother features and advantages of the present invention will become moreapparent from the following description of the embodiments taken inconjunction with the accompanying drawings.

BRIEF DESCRIPTION OF DRAWINGS

[0025]FIG. 1 shows an example of a configuration of a compensationcontract supporting system 200 of the present embodiment.

[0026]FIG. 2 shows an example of the factor statistics database 220.

[0027]FIG. 3 shows an example of the financial statistics database 240.

[0028]FIG. 4 shows an example of the contract database 260.

[0029]FIG. 5 shows an example of a configuration of hardware of thecompensation contract supporting system 200.

[0030]FIG. 6 shows an example of the operation of the compensationcontract supporting system 200.

[0031]FIG. 7 shows another example of the operation of the compensationcontract supporting system 200.

[0032]FIG. 8 shows one example of correlation between the averagetemperature and the yen/dollar exchange rate.

[0033]FIG. 9 shows the compensation amount and the receipt amountaccording to the average temperature and the yen/dollar rate.

DETAILED DESCRIPTION

[0034] The invention will now be described based on the preferredembodiments, which do not intend to limit the scope of the presentinvention, but exemplify the invention. All of the features and thecombinations thereof described in the embodiments are not necessarilyessential to the invention.

[0035]FIG. 1 shows an example of a configuration of a compensationcontract supporting system 200 of the present embodiment. Thecompensation contract supporting system 200 is a system managed by themain contractor who concludes a contract with a customer to providecompensation for profit risk created by a risk factor that influencesprofit of the customer. An insurance company is one example of a maincontractor.

[0036] The compensation contract supporting system 200 has a database500 which includes a factor statistics database 220, a financialstatistics database 240, and a contract database 260. The compensationcontract supporting system 200 further has a function unit 510 whichincludes a first probability calculation unit 320, a second probabilitycalculation unit 340, a correlation calculation unit 360, a riskcalculation unit 380, a ratio calculation unit 400, an amount-acquiringunit 420, an amount calculation unit 440, a risk factor acquiring unit700, and a notifying unit 460.

[0037] The compensation contract supporting system 200 supports the maincontractor such as the insurance company to conclude a contract, inwhich the first compensation amount to be paid or received by thecustomer when the first factor satisfies the first condition, and acontract, in which the second compensation amount is paid or received bythe customer when the second factor satisfies the second condition, atthe same time with the customer.

[0038] Preferably, the compensation contract supporting system 200supports the main contractor to conclude a contract, in which the maincontractor pays a first compensation amount to the customer for a profitrisk when the first factor satisfies the first condition, and acontract, in which the main contractor receives a second compensationamount from the customer when the second factor satisfies the secondcondition, at the same time with the customer. In this case, the firstcompensation is a compensation amount to be paid to the customer by themain contractor when the first factor satisfies the first condition. Thesecond compensation amount is a receipt amount to be received from thecustomer by the main contractor when the second factor satisfies thesecond condition.

[0039] Furthermore, the first compensation may be an amount to bereceived from the customer by the main contractor when the first factorsatisfies the first condition, and the second compensation amount may bean amount to be paid to the customer by the main contractor when thesecond factor satisfies the second condition.

[0040] Also, the first compensation may be an amount to be paid to thecustomer by the main contractor when the first factor satisfies thefirst condition, and the second compensation amount may be an amount tobe paid to the customer by the main contractor when the second factorsatisfies the second condition. Also, the first compensation may be acompensation amount to be received from the customer by the maincontractor when the first factor satisfies the first condition, and thesecond compensation amount may be an amount to be received from thecustomer by the main contractor when the second factor satisfies thesecond condition.

[0041] At least one of the first condition and the second condition is anon-financial condition that is not related to a financial product. Thefirst factor is a risk factor or a financial product that influences theprofit of the customer such as an enterprise. The second factor is arisk factor or a financial product other than the first factor thatinfluences the profit of the customer.

[0042] Because the insurance-setting support apparatus 200 can supportthe compensation contract explained above, the compensation contractsupporting system 200 can support the insurance company to reduce theprofit risk effectively with a small cash flow.

[0043] Here, each of the first factor and the second factor to be anobject of the contract may be single or plural. At least one of thefirst factor and the second factor is a risk factor other than afinancial product. Furthermore, the above-mentioned first and secondfactor may be determined by designating a threshold value. For example,the first factor satisfies the first condition when the first factorbecomes greater or less than the predetermined threshold value. Abreak-even point can be used as a threshold value.

[0044] In case the first and second condition is determined bydesignating the threshold value, the main contractor can conclude acontract, in which the compensation amount and receipt amount areproportional to the risk factor exceeded from a threshold value, withthe customer. Moreover, the data stored in the factor statisticsdatabase 220, the financial statistics database 240, and the contractdatabase 260 are added or updated everyday.

[0045] The factor statistics database 220 stores statistical data foritems that may become a risk factor for the customer. As examples of therisk factors stored in the factor statistics database 220, there arefactors related to the weather such as the average temperature in thesummer, an annual precipitation, and an annual amount of snowfall, afactor related to natural disasters such as earthquakes or typhoons, afactor related to economic indicators such as GDP (gross domesticproduct) or unemployment rate, and a factor related to credit risk suchas the number of listed bankrupt companies, and the approved numbers ofindividual bankruptcy. However, the risk factors stored in the factorstatistics database 220 are not limited to the factors mentioned above.

[0046]FIG. 2 shows an example of the factor statistics database 220. Inthis example, the factor statistics database 220 has tables for eachcategory of the risk factors. Each table stores the historical data ofyear/month/date and the actual value of the risk factor corresponded tothe year/month/date. For example, the factor statistics database 220shown in FIG. 2 stores the tables, which contain the risk factor ofweather in Tokyo, disasters such as natural disasters and humandisasters, and economic indicators.

[0047] Examples of natural disasters include the destruction of a citycaused by an earthquake, typhoon, volcano eruption, and so on. Examplesof human disasters include the destruction of a building caused byterrorism or an accident. The risk factors are not limited to theexamples explained above, and other risk factors can be includedaccordingly. Moreover, the factor statistics database 220 further hastables for each region for the risk factors that change with thelocation, such as weather.

[0048] The factor statistics database 220 may store the statisticaldata, which contains how many times the risk factor becomes thepredetermined value, with the value of the corresponding risk factor.Furthermore, the factor statistics database 220 may store thestatistical data, which contains the probability where the risk factorbecomes the predetermined value, with the value of the correspondingrisk factor.

[0049]FIG. 3 shows an example of the financial statistics database 240.The financial statistics database 240 stores the statistical data of arisk factor related to finance such as Yen/Dollar exchange rate,interest rates, and stock prices such as Nikkei stock average. In thepresent embodiment, the financial statistics database 240 has tables foreach of the risk factors related to finance. Each table stores thehistorical data for each risk factor such as Yen/Dollar exchange rateand Nikkei stock average.

[0050]FIG. 4 shows an example of the contract database 260. The contractdatabase 260 stores the results of the compensation contract concludedbetween the main contractor and the customer via the compensationcontract supporting system 200.

[0051] In the present embodiment, the contract database 260 has acontract number field, a customer name field, a factor field, and acondition field. The contract number field stores the contract numbers,each of which are different with each other to distinguish thecontracts. The customer name field stores the customer name for eachcustomer who concludes a contract with the main contractor. The factorfield stores the risk factor or the financial product that becomes theobject of the contract information. The risk factor or the financialproduct is information that specifies the first factor and the secondfactor. The condition field stores other conditions for each contract.As a specific example of the other conditions, there are the first andsecond condition, the compensation amount, and the receipt amount asmentioned-above.

[0052] Referring back to FIG. 1, the first probability calculation unit320 calculates the probability, in which the first factor satisfies thefirst condition, and the probability, in which the second factorsatisfies the second condition, using the data obtained from the factorstatistics database 220. Then, the first probability calculation unit320 outputs the calculated probabilities to the ratio calculation unit400.

[0053] The second probability calculation unit 340 calculates theprobability, in which the first factor satisfies the first condition andat the same time the second factor satisfies the second condition usingthe data stored in the factor statistics database 220. The secondprobability calculation unit 340 outputs the calculated probability tothe ratio calculation unit 400. Here, if the number of risk factors ofat least one of the first factor and the second factor is plural, thesecond probability calculation unit 340 calculates the above-mentionedprobability for each combination of the plurality of factors.

[0054] When the customer does not know what kind of risk factors he orshe has, the risk factor acquiring unit 700 acquires the risk factors ofthe customer. Specifically, the risk factor acquiring unit 700 acquiresinformation related to the customer such as average monthly sales of thecustomer. Then, the risk factor acquiring unit 700 uses the factorstatistics database 220 and the financial statistics database 240 tofind out what kind of risk factor is influential to the customer'sbusiness.

[0055] Specifically, the risk factor acquiring unit 700 calculates thecorrelation between the average monthly sales of the customer and eachof the risk factors acquired from the factor statistics database 220 andthe financial statistics database 240.

[0056] The risk factor acquiring unit 700 then selects the risk factors,the absolute value of the correlation of which is greater than thepredetermined value. Next, the risk factor acquiring unit 700 outputsthe selected risk factors to the first probability calculation unit 320and the second probability calculation unit 340.

[0057] The correlation calculation unit 360 calculates the correlationbetween the first factor and the second factor using the factorstatistics database 220. The correlation calculation unit 360 outputsthe calculated correlation information, which indicates the correlationbetween the first factor and the second factor, to the ratio calculationunit 400. Here, if there is a total of three numbers or greater of thefirst factor and the second factor, the correlation calculation unit 360calculates the above-mentioned correlation for each combination of thefirst factor and the second factor.

[0058] The risk calculation unit 380 calculates a payment-amount-riskusing the contract results data stored in the contract database 260. Thepayment-amount-risk is a risk carried by the main contractor, which iscreated by the contract concluded between the main contractor and thecustomer via the compensation contract supporting system 200. The riskcalculation unit 380 then outputs the calculated payment-amount-risk tothe ratio calculation unit 400 and the notifying unit 460.

[0059] The contents of the payment-amount-risk calculated by the riskcalculation unit 380 are different according to the destination of theoutput. For example, the payment-amount-risk, which is output to thenotifying unit 460, includes the compensation amount paid by the maincontractor or the receipt amount to be received by the main contractorbased on the contract concluded via the compensation contract supportingsystem 200 for each contract under the present value of each of the riskfactors. The payment-amount-risk, which is output to the notifying unit460, also includes the total amount of the above-mentioned compensationamounts and the receipt amounts under the present value of each of therisk factors.

[0060] Furthermore, the payment-amount-risk, which is output to theratio calculation unit 400, is the total amount of the compensationamount, which is to be paid by the main contractor, or the total amountof the receipt amount, which is to be received by the main contractor,based on the contract concluded via the compensation contract supportingsystem 200 when each of the first factor and the second factor satisfiesthe first condition and the second condition, respectively. Thecompensation amount is an amount to be paid to the customer by the maincontractor.

[0061] When the main contractor and the customer conclude a newcontract, the risk calculation unit 380 calculates thepayment-amount-risk carried by the main contractor under the conditionof the concluded contract. Then, the risk calculation unit 380 outputsto the ratio calculation unit 400 and the notifying unit 460 thecalculated payment-amount-risk. Therefore, the main contractor canrecognize the risk, which is carried by the contractor and created bythe contract concluded via the compensation contract supporting system200, by confirming the payment-amount-risk, which is output to thenotifying unit 460.

[0062] The ratio calculation unit 400 calculates the ratio of thereceipt amount, which is to be received from the customer by the maincontractor when the second condition satisfies the second condition, tothe compensation amount, which is to be paid to the customer by the maincontractor when the first factor satisfies the first condition. Theratio calculation unit 400 calculates the ratio using the probabilitycalculated by the first probability calculation unit 320, theprobability calculated by the second probability calculation unit 340,the correlation calculated by the correlation calculation unit 360, andthe payment-amount-risk calculated by the risk calculation unit 380.

[0063] Specifically, the ratio calculation unit 400 decreases the ratiowhen the probability calculated by the first probability calculationunit 320 is high because the possibility of paying the compensationamount by the main contractor to the customer is high.

[0064] Contrary, the ratio calculation unit 400 increases the ratio whenthe probability calculated by the first probability calculation unit 320is low because the possibility of paying the compensation amount by themain contractor to the customer is low.

[0065] Moreover, the ratio calculation unit 400 increases the ratio whenthe probability calculated by the second probability calculation unit340 is high because the possibility of receiving the receipt amount fromthe customer by the main contractor is high at the time of paying thecompensation amount to the customer by the main contractor.

[0066] Contrary, the ratio calculation unit 400 decreases the ratio whenthe probability calculated by the second probability calculation unit340 is low because the possibility of paying the compensation amount tothe customer by the main contractor without receiving the receipt amountfrom the customer is high.

[0067] Furthermore, the ratio calculation unit 400 modifies the ratio bythe correlation calculated by the correlation calculation unit 360 andthe payment-amount-risk calculated by the risk calculation unit 380.

[0068] Specifically, the ratio calculation unit 400 decreases the ratiowhen the correlation calculated by the correlation calculation unit 360is high because the possibility of paying the compensation amount to thecustomer by the main contractor without receiving the receipt amountfrom the customer is high. The correlation calculated by the correlationcalculation unit 360 is high when the possibility of the first factorand second factor to influence the profit of the customer in the samedirection at the same time is high.

[0069] Contrary, the ratio calculation unit 400 increases the ratio whenthe correlation calculated by the correlation calculation unit 360 islow because the possibility of receiving the receipt amount from thecustomer by the main contractor at the time of paying the compensationamount to the customer is high. The correlation calculated by thecorrelation calculation unit 360 is low when the possibility of thefirst factor and second factor to influence the profit of the customerin the opposite direction at the same time is high.

[0070] Moreover, the ratio calculation unit 400 decreases the ratio whenthe payment-amount-risk carried by the main contractor under thecontract condition, the risk of which is created by the compensation tobe provided to the customer calculated by the risk calculation unit 380,is high. Contrary, the ratio calculation unit 400 increases the ratiowhen the payment-amount-risk calculated by the risk calculation unit 380is low. Thus, the compensation contract supporting system 200 can adjustthe ratio by referring to the payment-amount-risk of the other insurancecontracts, which have been concluded by the main contractor. Therefore,the main contractor can reduce the total payment-amount-risk carried bythe main contractor, which includes the payment-amount-risk of the otherinsurance contracts concluded by the main contractor.

[0071] Therefore, the ratio calculation unit 400 calculates the ratioaccurately using the probability calculated by the second probabilitycalculation unit 340, the correlation calculated by the correlationcalculation unit 360, and the payment-amount-risk calculated by the riskcalculation unit 380.

[0072] The amount-acquiring unit 420 acquires any two of a compensationamount, a receipt amount, and a prepaid amount requested by the customerfrom the outside of the compensation contract supporting system 200. Thecompensation amount acquired by the amount-acquiring unit 420 is theamount requested by the customer when the first factor satisfies thefirst condition.

[0073] The receipt amount acquired by the amount-acquiring unit 420 isthe amount requested by the customer when the second factor satisfiesthe second condition. The prepaid amount acquired by theamount-acquiring unit 420 is the amount to be previously received fromthe customer or to be previously paid to the customer by the maincontractor to cover the difference between the risk created by thecompensation amount and the risk created by the receipt amount.

[0074] Specifically, the amount-acquiring unit 420 acquires thecompensation amount, the receipt amount, and the prepaid amountrequested by the customer from the input device such as a keyboard.

[0075] The amount calculation unit 440 uses any two of the compensationamount, the receipt amount, and the prepaid amount acquired by theamount acquiring unit 420 and the ratio calculated by the ratiocalculation unit 400 to calculate the remaining one of the compensationamount, the receipt amount, and the prepaid amount. The amountcalculation unit 440 outputs the calculated one of the compensationamount, the receipt amount, and the prepaid amount to the notifying unit460.

[0076] Specifically, when the amount-acquiring unit 420 acquires thecompensation amount and the receipt amount, the amount calculation unit440 converts the compensation amount to the receipt amount using theratio calculated by the ratio calculation unit 400. The amountcalculation unit 440 then calculates the prepaid amount using thereceipt amount converted from the compensation amount and the receiptamount acquired from the amount-acquiring unit 420.

[0077] The notifying unit 460 notifies outside the compensation contractsupporting system 200 about the compensation amount, the receipt amount,or the prepaid amount calculated by the amount calculation unit 440 andthe risk calculated by the risk calculation unit 380. For example, thenotifying unit 460 notifies the customer and the main contractor aboutthe compensation amount and the risk by outputting the compensationamount and the risk to the printer or the display device.

[0078] Furthermore, the notifying unit 460 may notify the customer andthe main contractor of the compensation amount and the risk byoutputting directly the compensation amount and the risk to the terminalof the customer by electronic mail.

[0079]FIG. 5 shows an example of a configuration of hardware of thecompensation contract supporting system 200. In the present example, thecompensation contract supporting system 200 has a CPU (centralprocessing unit) 602, a ROM (read only memory) 604, a RAM (random accessmemory) 606, a display device 608, a printer 610, an input device 612, ahard disk drive 614, a floppy disk drive 616, and a CDROM (compactdisk-read only memory) drive 618.

[0080] The CPU 602 processes data based on the program stored in the RAM606 and ROM 604. The display 608 displays various information providedfrom the CPU 602.

[0081] The printer 610 prints out various information provided from theCPU 602. The input device 612 inputs the information for setting up thecompensation contract supporting system 200. The floppy disk drive 616reads out the data or the program from the floppy disk 620 and outputsto the CPU 602.

[0082] The CD-ROM drive 618 reads out the data or the program from theCD-ROM and outputs to the CPU 602. The hard disk drive 618 stores thedata or the program, which is read out from the floppy disk drive 616 orthe CD-ROM drive 61 8. The hard disk drive 618 also stores the data,which is made by the CPU 602 while the CPU 602 executes the program. Thehard disk drive 618 reads out the data or the program stored in the harddisk drive 618 and outputs to the CPU 602.

[0083] In the present embodiment, the CD-ROM 622 stores the program forrealizing each function element of the compensation contract supportingsystem 200 explained in FIG. 1. The CD-ROM drive 618 reads out theprogram stored in the CD-ROM 622.

[0084] The CPU 602 installs the program, which is read out from theCD-ROM 622, in the hard disk drive 614. The CPU 602 reads out theprogram from the hard disk drive 614 and executes the program to realizethe function elements of the compensation contract supporting system 200explained in FIG. 1.

[0085] Specifically, the above-mentioned program has a first probabilitycalculation module that realizes the first probability calculation unit320, the second probability calculation module that realizes the secondprobability calculation unit 340, the correlation calculation modulethat realizes the correlation calculation unit 360, the risk calculationmodule that realizes the risk calculation unit 380, the ratiocalculation module that realizes the ratio calculation unit 400, anamount acquiring module that realizes the amount acquiring unit 420, theamount calculation module that realizes the amount calculation unit 440,and the notifying module that realizes the notifying unit 460.Furthermore, the above-mentioned program may be stored on anotherrecording medium other than the CD-ROM 622 such as the floppy disk 620and a magneto optical disk (MO).

[0086]FIG. 6 shows an example of the operation of the compensationcontract supporting system 200. The present example shows the operationthat supports the compensation contract using the compensation contractsupporting system 200.

[0087] First, the compensation contract supporting system 200 acquiresthe contract condition requested by the customer using the amountacquiring unit 420 (S120). The contract condition includes the riskfactors, first and second conditions, and any two of the compensationamount, receipt amount, and prepaid amount requested by the customer.Preferably, the first condition is determined such that a compensationamount is paid to the customer when part of the risk factors satisfy thefirst condition. Also, the second condition is determined such that themain contractor receives the receipt amount from the customer when theremaining risk factors satisfy the second condition.

[0088] Then, the compensation contract supporting system 200 recognizesthe risk factors, which are to be an object of the contract, as thefirst factor and the second factor (S140). Then, the compensationcontract supporting system 200 extracts the statistical data related tothe first factor and the second factor from the factor statisticsdatabase 220 (S160).

[0089] The compensation contract supporting system 200 then calculatesthe correlation among the risk factors that constitute the first factorand the second factor using correlation calculation unit 360 (S180).Next, the compensation contract supporting system 200 calculates theprobability, in which the first factor satisfies the first condition,and the probability, in which the second factor satisfies the secondcondition, using the first probability calculation unit 320 (S200).

[0090] The compensation contract supporting system 200 furthercalculates the probability, in which the first factor satisfies thefirst condition and at the same time the second factor satisfies thesecond condition using the second probability calculation unit 340(S220). Then, the compensation contract supporting system 200 recognizesany two of the compensation amount, the receipt amount, and the prepaidamount acquired from the amount-acquiring unit 420 (S240).

[0091] Then, the compensation contract supporting system 200 calculatesthe payment-amount-risk created by the contract concluded via thecompensation contract supporting system 200 when the first condition orthe second condition are satisfied using risk calculation unit 380(S260). The order of the operations from the correlation calculationstep (S180) to the payment-amount-risk calculation step (S260) is notlimited to the order mentioned above, and the order of the operationscan be desirably changed.

[0092] Next, the compensation contract supporting system 200 calculatesremaining one of the compensation amount, the receipt amount, and theprepaid amount, which is not requested by the customer, using the amountcalculation unit 440 (S280). Then, the compensation contract supportingsystem 200 notifies outside the compensation contract supporting system200 about the calculated one of the compensation amount, the receiptamount, or the prepaid amount using the notifying unit 460 (S300).

[0093] When the contract is concluded (S320), the compensation contractsupporting system 200 stores the contract data such as the compensationamount, the receipt amount, and the prepaid amount with thecorresponding contract number into the contract database 260 (5340) andfinishes the operations.

[0094]FIG. 7 shows another example of the operation of the compensationcontract supporting system 200. The present example shows the operationthat supports the compensation contract using the compensation contractsupporting system 200.

[0095] First, the compensation contract supporting system 200 acquiresthe contract condition requested by the customer using the amountacquiring unit 420 (S420). The contract condition includes risk factorand financial product, first and second conditions, and any two of thecompensation amount, receipt amount, and prepaid amount requested by thecustomer. Preferably, the first condition is determined such that acompensation amount is paid to the customer by the main contractor whenthe risk factor satisfies the first condition. Also, the secondcondition is determined such that the main contractor receives a receiptamount from the customer when the price of the financial productsatisfies the second condition.

[0096] Then, the compensation contract supporting system 200 recognizesthe risk factor and the financial product, which are to be an object ofthe contract, as the first factor and the second factor (S440). Then,the compensation contract supporting system 200 extracts the statisticaldata related to the first factor and the second factor from the factorstatistics database 220 and the financial statistics database 240(S460).

[0097] The compensation contract supporting system 200 then calculatesthe correlation between the risk factor and the financial product thatconstitute the first factor and the second factor using correlationcalculation unit 360 (S480). Next, the compensation contract supportingsystem 200 calculates the probability, in which the first factorsatisfies the first condition, and the probability, in which the secondfactor satisfies the second condition, using the first probabilitycalculation unit 320 (S500).

[0098] The compensation contract supporting system 200 furthercalculates the probability, in which the first factor satisfies thefirst condition and at the same time the second factor satisfies thesecond condition using the second probability calculation unit 340(S520). Then, the compensation contract supporting system 200 recognizesany two of the compensation amount, the receipt amount, and the prepaidamount acquired from the amount-acquiring unit 420 (S540).

[0099] Then, the compensation contract supporting system 200 calculatesthe payment-amount-risk created by the contract concluded via thecompensation contract supporting system 200 when the first condition orthe second condition are satisfied using risk calculation unit 380(S560). The order of the operations from the correlation calculationstep (S480) to the payment-amount-risk calculation step (S560) is notlimited to the order mentioned above, and the order of the operationscan be desirably changed.

[0100] Next, the compensation contract supporting system 200 calculatesthe remaining one of the compensation amount, the receipt amount, andthe prepaid amount, which is not requested by the customer, using theamount calculation unit 440 (S580). Then, the compensation contractsupporting system 200 notifies outside the compensation contractsupporting system 200 about the calculated one of the compensationamount, the receipt amount, or the prepaid amount using the notifyingunit 460 (S600).

[0101] When the contract is concluded (S620), the compensation contractsupporting system 200 stores the contract data such as the compensationamount, the receipt amount, and the prepaid amount with thecorresponding contract number into the contract database 260 (S640) andfinishes the operations.

[0102] As a specific example, the case is considered when the amountacquiring unit 420 a acquires the contract condition requested by thecustomer explained below in the step of acquiring the contract condition(S420). An electric company as a customer requests an insurance companyas a main contractor to conclude a compensation contract for the riskfactor of an average temperature and the price of the financial productof yen/dollar exchange rate.

[0103] The electric company requests the first condition such that ifthe average temperature becomes lower than 25 degree in Tokyo from Jun.1, 2002 to Sep. 30, 2002, the insurance company pays the receipt amountof 20 million yen according to the degree of the temperature smallerthan 25 degree for 1 degree to the electric company. The electriccompany requests this first condition because the profit of the electriccompany is greatly reduced owing to the decrease in power consumption ifthe temperature is low during the summer season. The maximumcompensation amount is 1 hundred million yen, which is paid to theelectric company when the average temperature in Tokyo from Jun. 1, 2002to Sep. 30, 2002 is lower than 20 degree.

[0104] The electric company also requests the second condition such thatif the yen/dollar rate becomes lower than the strike price of 100 yenfrom Jun. 1, 2002 to Sep. 30, 2002, the electric company pays thereceipt amount according to the rate lower than 100 yen to the electriccompany because the amount paid in yen for crude oil purchased by theelectric company decreases according to the decrease of the yen/dollarrate. The maximum receipt amount is 40 million yen, which is paid to theinsurance company when the yen/dollar rate at the date determined in thecontract is 90 yen or lower.

[0105] Then, the compensation contract supporting system 200 recognizesthe risk factor of an average temperature and the financial product ofexchange rate as the first factor and the second factor (S440). Then,the compensation contract supporting system 200 extracts the statisticaldata related to the average temperature and the yen/dollar rate from thefactor statistics database 220 and the financial statistics database 240(S460). The compensation contract supporting system 200 then calculatesthe correlation between the average temperature and the yen/dollar rateusing correlation calculation unit 360 (S480).

[0106]FIG. 8 shows one example of correlation between the averagetemperature and the yen/dollar exchange rate. The correlation betweenthe average temperature and the yen/dollar exchange rate at the samedate is calculated. In FIG. 8, the value of the average temperature andthe value of the yen/dollar exchange rate at the same date are plottedfor a plurality of data. There is a positive correlation between theaverage temperature and the yen/dollar exchange rate.

[0107] Next, the compensation contract supporting system 200 calculatesthe probability, in which the first factor satisfies the firstcondition, and the probability, in which the second factor satisfies thesecond condition, using the first probability calculation unit 320(S500).

[0108] The compensation contract supporting system 200 furthercalculates the probability, in which the first factor satisfies thefirst condition and at the same time the second factor satisfies thesecond condition using the second probability calculation unit 340(S520). Then, the amount acquiring unit 420 acquires the compensationamount and the receipt amount requested by the electric company (S540).

[0109] Then, the compensation contract supporting system 200 calculatesthe payment-amount-risk created by the contract concluded via thecompensation contract supporting system 200 when the first condition orthe second condition are satisfied using risk calculation unit 380(S560). Next, the compensation contract supporting system 200 calculatesthe prepaid amount using the amount calculation unit 440 (S580).

[0110] The amount calculation unit 440 calculates the prepaid amountfrom the compensation amount, the receipt amount, and the calculatedratio.

[0111] Thus, the electric company can reduce the prepaid amount, whichis to be paid to the insurance company, by combining the compensationcontract for the temperature and the yen/dollar exchange rate. Then, thecompensation contract supporting system 200 notifies the electriccompany and the insurance company about the calculated prepaid amountusing the notifying unit 460 (S600).

[0112]FIG. 9 shows the compensation amount and the receipt amountaccording to the average temperature and the yen/dollar rate. The unitof the numerals shown inside FIG. 9 is one million yen. If the sign ofthe numeral is positive, it is an amount to be paid to the electriccompany from the insurance company. If the sign of the numerical isnegative, it is an amount to be paid to the insurance company from theelectric company.

[0113] As shown in FIG. 9, if the average temperature becomes lower than25 degree and if the yen/dollar rate becomes higher than the strikeprice of 100 yen, the insurance company pays the receipt amount of 20million yen according to the degree of temperature lower than 25 degreefor 1 degree to the electric company. If the average temperature is 25degree or higher and if the yen/dollar rate becomes lower than thestrike price of 100 yen, the electric company pays the receipt amount tothe insurance company.

[0114] If the yen/dollar rate becomes higher than the strike price of100 yen, and the average temperature is 25 degree or higher, neither theinsurance company nor the electric company pays the compensation amountor receipt amount. Furthermore, if the yen/dollar rate becomes lowerthan the strike price of 100 yen, and the average temperature is lowerthan 25 degree, the compensation amount or the receipt amount is a netamount of the compensation amount and the receipt amount.

[0115] For example, if the average temperature is 20 degree, thecompensation amount is 100 million yen, and if the yen/dollar exchangerate is 90 yen, the receipt amount is 40 million yen. Therefore, the netamount of the compensation amount and the receipt amount is 60 millionyen, which is a compensation amount to be paid to the electric companyfrom the insurance company. Furthermore, if the average temperature is24 degree, the compensation amount is 20 million yen, and if theyen/dollar exchange rate is 91 yen, the receipt amount is 36 millionyen. Therefore, the net amount of the compensation amount and thereceipt amount is 16 million yen, which is a receipt amount to be paidto the insurance company from the electric company.

[0116] When low average temperature and a low yen/dollar rate occur atthe same time during the contract period, the insurance company pays thecompensation amount to the electric company, and at the same time, theelectric company pays the receipt amount to the insurance company. Thus,the risk of paying a large amount of compensation is reduced for theinsurance company. Also, the electric company can obtain the insurancefor the average temperature with a small amount of the prepaid amount.

[0117] In the above-mentioned contract concluded via the compensationcontract supporting system 200, the only cash flow necessary at the timeof contract is the prepaid amount. Therefore, the main contractor andthe customer can easily conclude the contract that can effectivelyreduce the profit risk created by the risk factor, which does not belongto the category of finance, with a small cash flow using thecompensation contract supporting system 200.

[0118] Although the present invention has been described by way ofexemplary embodiments, it should be understood that those skilled in theart might make many changes and substitutions without departing from thespirit and the scope of the present invention, which is defined only bythe appended claims.

1. A compensation contract supporting system that supports acompensation contract which provides a customer compensation for aprofit risk created by a plurality of risk factors that influence aprofit of said customer, comprising: a database for storing statisticaldata of said plurality of risk factors; a first probability calculationunit for calculating a probability, in which a part of said plurality ofsaid risk factors satisfy a predetermined first condition, and aprobability, in which remaining said plurality of said risk factorssatisfy a predetermined second condition, using said database, and atleast one of said first condition and said second condition being annon-financial condition that is not related to a financial product; anda ratio calculation unit for calculating a ratio between a firstcompensation amount to be paid or received by said customer when saidpart of said risk factors satisfy said first condition and a secondcompensation amount to be paid or received by said customer when saidremaining risk factors satisfy said second condition using saidprobability calculated by said first probability calculation unit.
 2. Acompensation contract supporting system as claimed in claim 1, whereinsaid first compensation amount is an amount to be paid to said customerwhen said part of said risk factors satisfy said first condition, andsaid second compensation amount is an amount to be received from saidcustomer when said remaining risk factors satisfy said second condition.3. A compensation contract supporting system as claimed in claim 1,further comprising: a correlation calculation unit for calculating acorrelation among said plurality of risk factors based on saidstatistical data read out from said database; wherein: said ratiocalculation unit calculates a ratio between said first compensationamount and said second compensation amount using said probabilitycalculated by said first probability calculation unit and saidcorrelation calculated by said correlation calculation unit.
 4. Acompensation contract supporting system as claimed in claim 1, furthercomprising: a second probability calculation unit for calculating aprobability in which said first condition, which is to be a base forcalculating said first compensation amount, and said second condition,which is to be a base for calculating said second compensation amount,are satisfied at the same time; wherein: said ratio calculation unitcalculates said ratio further using said probability calculated by saidsecond probability calculation unit.
 5. A compensation contractsupporting system as claimed in claim 1, further comprising: an amountacquiring unit for acquiring any two of said first compensation amount,said second compensation amount, and a prepaid amount, which arerequested by said customer, said prepaid amount being an amount to bepreviously received from said customer or to be previously paid to saidcustomer to cover a difference between a risk created by said firstcompensation amount and a risk created by said second compensationamount; and an amount calculation unit for calculating remaining one ofsaid first compensation amount, said second compensation amount, andsaid prepaid amount using said any two of said first compensationamount, said second compensation amount, and said prepaid amountacquired by said amount acquiring unit, and said ratio calculated bysaid ratio calculation unit.
 6. A compensation contract supportingsystem as claimed in claim 1, further comprising: a contract databasefor storing data related to said compensation, which is provided to saidcustomer by the compensation contract supporting system; and a riskcalculation unit for calculating a payment-amount-risk involved in acontract, which is concluded via said compensation contract supportingsystem, using a present value of said risk factors and said contractdatabase.
 7. A compensation contract supporting system as claimed inclaim 1, further comprising: a contract database for storing datarelated to said compensation, which is provided to said customer by thecompensation contract supporting system; and a risk calculation unit forcalculating a payment-amount-risk created by the compensation providedto said customer by the compensation contract supporting system usingsaid contract database and said first condition or said second conditionof said risk factors; wherein: said ratio calculation unit calculatessaid ratio using said payment-amount-risk calculated by said riskcalculation unit.
 8. A compensation contract supporting system asclaimed in claim 1, further comprising a risk factor acquiring unitwhich acquires information related to said customer from said customer,acquires said risk factors from said database, calculates a correlationbetween said information and said risk factors, selects the riskfactors, an absolute value of said correlation of which is greater thana predetermined value, and outputs said selected risk factors to saidfirst probability calculation unit.
 9. A compensation contractsupporting system that supports a compensation contract which provides acustomer compensation for a profit risk created by a risk factor thatinfluences a profit of said customer, comprising: a factor statisticsdatabase for storing statistical data of said risk factor; a financialstatistics database for storing statistical data of a fluctuation inprice of a financial product; a first probability calculation unit forcalculating a probability, in which said risk factor satisfies apredetermined first condition, and a probability, in which said price ofsaid financial product satisfies a predetermined second condition, andsaid first condition being a non-financial condition that is not relatedto said financial product; and a ratio calculation unit for calculatinga ratio between a first compensation amount to be paid or received bysaid customer when said risk factor satisfies said first condition and asecond compensation amount to be paid or received by said customer whensaid price of said financial product satisfies said second conditionusing said probability calculated by said first probability calculationunit.
 10. A compensation contract supporting system as claimed in claim9, wherein said first compensation amount is an amount to be paid tosaid customer when said risk factor satisfies said first condition, andsaid second compensation amount is an amount to be received from saidcustomer when said price of said financial product satisfies said secondcondition.
 11. A compensation contract supporting system as claimed inclaim 9, further comprising: a correlation calculation unit forcalculating a correlation between said price of said financial productand said risk factor using said financial statistics database and saidfactor statistics database; wherein: said ratio calculation unitcalculates a ratio between said first compensation amount and saidsecond compensation amount using said probability calculated by saidfirst probability calculation unit and said correlation calculated bysaid correlation calculation unit.
 12. A compensation contractsupporting system as claimed in claim 9, further comprising: a secondprobability calculation unit for calculating a probability in which saidfirst condition, which is to be a base for calculating said firstcompensation amount, and said second condition, which is to be a basefor calculating said second compensation amount, are satisfied at thesame time; wherein: said ratio calculation unit calculates said ratiofurther using said probability calculated by said second probabilitycalculation unit.
 13. A compensation contract supporting system asclaimed in claim 9, further comprising: an amount acquiring unit foracquiring any two of said first compensation amount, said secondcompensation amount, and a prepaid amount, which are requested by saidcustomer, said prepaid amount being an amount to be previously receivedfrom said customer or to be previously paid to said customer to cover adifference between a risk created by said first compensation amount anda risk created by said second compensation amount; and an amountcalculation nit for calculating remaining one of said first compensationamount, said second compensation amount, and said prepaid amount usingsaid any two of said first compensation amount, said second compensationamount, and said prepaid amount acquired by said amount acquiring unit,and said ratio calculated by said ratio calculation unit.
 14. Acompensation contract supporting system as claimed in claim 9, furthercomprising: a contract database for storing data related to saidcompensation, which is provided to said customer by the compensationcontract supporting system; and a risk calculation unit for calculatinga payment-amount-risk involved in a contract, which is concluded viasaid compensation contract supporting system, using a present value ofsaid risk factor and said contract database.
 15. A compensation contractsupporting system as claimed in claim 9, further comprising: a contractdatabase for storing data related to said compensation, which isprovided to said customer by the compensation contract supportingsystem; and a risk calculation unit for calculating apayment-amount-risk created by the compensation provided to saidcustomer by the compensation contract supporting system using saidcontract database, and said first condition and said second condition ofsaid risk factor and said price of said financial product; wherein: saidratio calculation unit calculates said ratio using saidpayment-amount-risk calculated by said risk calculation unit.
 16. Acompensation contract supporting system as claimed in claim 9, furthercomprising a risk factor acquiring unit which acquires informationrelated to said customer from said customer, acquires said risk factorsfrom said factor statistics database, calculates a correlation betweensaid information and said risk factors, selects the risk factors, anabsolute value of said correlation of which is greater than apredetermined value, and outputs said selected risk factors to saidfirst probability calculation unit.
 17. A method for supporting acompensation contract that provides a customer compensation for a profitrisk created by a plurality of risk factors that influence a profit ofsaid customer, comprising: managing statistical data of said pluralityof risk factors; calculating a probability, in which a part of saidplurality of said risk factors satisfy a predetermined first condition,and a probability, in which remaining said plurality of said riskfactors satisfy a predetermined second condition, and at least one ofsaid first condition and said second condition being a non-financialcondition that is not related to a financial product; calculating aratio between a first compensation amount to be paid or received by saidcustomer when said part of said risk factors satisfy said firstcondition and a second compensation amount to be paid or received bysaid customer when remaining of risk factors satisfy said secondcondition using said calculated probability; acquiring any two of saidfirst compensation amount, said second compensation amount, and aprepaid amount, which are requested by said customer, said prepaidamount being an amount to be previously received from said customer orto be previously paid to said customer to cover a difference between arisk created by said first compensation amount and a risk created bysaid second compensation amount; and calculating remaining one of saidfirst compensation amount, said second compensation amount, and saidprepaid amount using said any two of said first compensation amount,said second compensation amount, and said prepaid amount, and saidcalculated ratio.
 18. A method for supporting a compensation contractthat provides a customer compensation for a profit risk created by arisk factor that influences a profit of said customer, comprising:managing statistical data of said risk factor and a fluctuation in priceof a financial product; calculating a probability, in which said riskfactor satisfies a predetermined first condition, and a probability, inwhich said price of said financial product satisfies a predeterminedsecond condition, and said first condition being a non-financialcondition that is not related to said financial product; calculating aratio between a first compensation amount to be paid or received by saidcustomer when said risk factor satisfies said first condition and asecond compensation amount to be paid or received by said customer whensaid price of said financial product satisfies said second conditionusing said calculated probability; acquiring any two of said firstcompensation amount, said second compensation amount, and a prepaidamount, which are requested by said customer, said prepaid amount beingan amount to be previously received from said customer or to bepreviously paid to said customer to cover a difference between a riskcreated by said first compensation amount and a risk created by saidsecond compensation amount; and calculating remaining one of said firstcompensation amount, said second compensation amount, and said prepaidamount using said any two of said first compensation amount, said secondcompensation amount, and said prepaid amount, and said calculated ratio.19. A program for calculating compensation for a fluctuation in a profitcreated by a plurality of risk factors that influence said profit ofsaid customer, comprising: a first probability calculation module forcalculating a probability, in which a part of said plurality of saidrisk factors satisfy a predetermined first condition, and a probability,in which remaining said plurality of risk factors satisfy apredetermined second condition, using a database for storing statisticaldata of said plurality of risk factors, and at least one of said firstcondition and said second condition being a non-financial condition thatis not related to a financial product; and a ratio calculation modulefor calculating a ratio between a first compensation amount to be paidor received by said customer when said part of said risk factors satisfysaid first condition, and a second compensation amount to be paid orreceived by said customer when said remaining risk factors satisfy saidsecond condition using said probability calculated by said firstprobability calculation module.
 20. A program for calculatingcompensation for a fluctuation in profit created by a risk factor thatinfluences a profit of said customer, comprising: a first probabilitycalculation module for calculating a probability, in which said riskfactor satisfies a predetermined first condition, using a factorstatistics database for storing statistical data of said risk factor anda probability, in which a price of a financial product satisfies apredetermined second condition, using a financial statistics databasefor storing statistical data of said fluctuation in price of saidfinancial product, and said first condition being a non-financialcondition that is not related to said financial product; and a ratiocalculation module for calculating a ratio between a first compensationamount to be paid or received by said customer when said risk factorsatisfies said first condition and a second compensation amount to bepaid or received by said customer when said price of said financialproduct satisfies said second condition using said probabilitycalculated by said first probability calculation module.